| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE RD SEWICKEY, PA 15143 | GUARDIAN LIFE INSUR CO OF AMERICA | $133K | — | $133K | 21.25% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | GUARDIAN LIFE INSUR CO OF AMERICA | $19K | — | $19K | 3.00% |
| PHILIP C LOPEZ5 | 2715 HUDSON AURORA RD HUDSON, OH 44236 | GUARDIAN LIFE INSURANCE COMPANY | $25K | — | $25K | 10.30% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE RD SEWICKLY HTS, PA 15143 | TRUSTMARK INSURANCE COMPANY | $17K | — | $17K | 10.21% |
| RESCHINI AGENCY INC3 | 922 PHILADELPHIA STREET INDIANA, PA 15701 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 1.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY INC CAREMARK EIN 05-0340626 CLAIMS PROCESSING | Claims processing Service code 12 | — | $23.3M |
| MEDICAL MUTUAL EIN 34-1922587 CLAIMS PROCESSING | Claims processing Service code 12 | — | $2.0M |
| LINCOLN NATIONAL LIFE INS CO EIN 35-0472300 CLAIMS PROCESSING | Claims processing Service code 12 | — | $321K |
| WILLIS TOWERS WATSON EIN 26-0775680 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $23K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 5,650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,442 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GUARDIAN LIFE INSUR CO OF AMERICA | 1,370 | $795K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 5,643 | $239K |
| Vision(2 contracts) | EYEMED VISION CARE | 8,360 | $787K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INS CO | 6,519 | $3.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO | 5,403 | $2.0M |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 4,905 | $4.6M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INS CO | 6,519 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,360 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.